> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stable.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments on Stable

> Build payment flows on Stable: P2P transfers, subscriptions, invoices, pay-per-call APIs, zero-gas flows, and bridging.

Stable is built around payments. USDT0 is the native asset and the gas token, so settlement and fees share one balance. Single-slot finality means a transfer clears in under a second. ERC-3009, EIP-7702, and x402 are native primitives, not workarounds — you can settle with a signature, pull from a delegated account, or charge per HTTP request without running a billing stack.

## What you can build

* **P2P transfers** — native USDT0 sends with 21k gas and sub-second finality.
* **Subscriptions** — pull-based recurring billing with EIP-7702 delegation.
* **Invoice settlement** — ERC-3009 `transferWithAuthorization` with deterministic nonces for exact reconciliation.
* **Pay-per-call APIs** — x402 middleware for per-request USDT0 payments; no API keys, no sign-ups.
* **Zero-gas UX** — application-sponsored transactions via the Gas Waiver service.
* **Cross-chain USDT0** — LayerZero OFT bridging from Ethereum and other networks.

## How Stable differs

* **One asset for everything**: the sender doesn't hold a separate gas token.
* **Native ERC-3009**: USDT0 implements `transferWithAuthorization` directly, so payments settle with a signature and no approve step.
* **Deterministic finality**: a block is final the moment it's committed. No confirmation waits.
* **Native x402**: the facilitator pays no gas through the Gas Waiver, so per-request settlement costs stay below a cent.

## Start here

<CardGroup cols={2}>
  <Card title="Send your first USDT0" icon="send" href="/en/tutorial/send-usdt0">
    Native and ERC-20 transfers on the same balance.
  </Card>

  <Card title="Zero gas transactions" icon="zap" href="/en/how-to/zero-gas-transactions">
    Transfer USDT0 with the fee covered by a Gas Waiver.
  </Card>

  <Card title="Learn P2P payments" icon="users" href="/en/how-to/build-p2p-payments">
    Build a wallet + send + receive + history app from scratch.
  </Card>

  <Card title="Build a pay-per-call API" icon="code" href="/en/how-to/build-pay-per-call">
    Price HTTP endpoints per request with x402.
  </Card>

  <Card title="Stable SDK" icon="package" href="/en/explanation/sdk-overview?utm_source=docs&utm_medium=payments-overview">
    Use the typed client for transfer, bridge, and swap in a few lines.
  </Card>
</CardGroup>

## Payment primitives

<CardGroup cols={2}>
  <Card title="ERC-3009" icon="signature" href="/en/explanation/erc-3009">
    Transfer With Authorization: the settlement standard behind invoices and x402.
  </Card>

  <Card title="x402 (HTTP-native payments)" icon="globe" href="/en/explanation/x402">
    Server responds 402, client signs ERC-3009, facilitator settles on-chain.
  </Card>
</CardGroup>

## Next recommended

<CardGroup cols={3}>
  <Card title="Payments guide index" icon="list" href="/en/explanation/payments-index">
    Every guide, concept, and reference under the Payments tab.
  </Card>

  <Card title="Subscribe and collect" icon="repeat" href="/en/how-to/subscribe-and-collect">
    Pull-based recurring billing via EIP-7702.
  </Card>

  <Card title="Paying with invoice" icon="file-text" href="/en/how-to/pay-with-invoice">
    ERC-3009 with deterministic nonces for exact reconciliation.
  </Card>
</CardGroup>